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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.

Not all gas credit cards work quite the same way. Some are affiliated with a particular gas-station chain and only give you bonus gas rewards when you fill up there. Others reward you the same no matter where you fill up. Unless you already get gas from a single chain or can easily begin doing so, we recommend the latter type, even though station-affiliated cards typically provide 1% to 2% more savings. The rationale here is that if you have to drive out of your way to find a particular station, or if that station happens to have higher prices than its neighbors, those extra rewards won’t net you very much. So when considering the gas credit cards listed below (some offers are from WalletHub partners), pay close attention to how each card fits your spending habits. And apply for whichever card suits your lifestyle best.…show moreshow less

Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.

Additional Info

No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.

Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.

We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.

Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

USAA membership is available to active and former military and their eligible family members

Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 11.15% to 27.15% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.

Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Concierge services to assist with whatever you need, whenever you need it. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.

USAA membership is available to active and former military and their eligible family members

Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 13.15% to 27.15%, will apply. This rate will vary with the market based on the prime rate.

Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.You are not liable for unauthorized purchases.Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.

Enjoy no foreign transaction fees when you travel outside of the United States.

Should I get whichever gas card has the highest rewards rate?

By: John Kiernan, Credit Card EditorNo. It’s natural for consumers to simply look for the card offering the best rewards, but in reality, whether you’re looking for a gas rewards credit card, an airline credit card, a hotel credit card, etc., the card with the highest on-paper rewards won’t necessarily be the most lucrative for you. For example, a card affiliated with a specific gas-station chain might offer the highest cash-back rate, but if it’s inconvenient for you to fill up there, the extra rewards won’t do you much good.

Keep that in mind as you consider the following gas credit cards, which are among our editors’ favorites:

For the full list of what our editors consider to be the most rewarding gas cards on the market right now, check out our Best Gas Credit Cards page.

Do I need to drive a certain amount for gas rewards credit cards to be worth it?

By: John Kiernan, Credit Card Editor
Yes. According to the Island Approach, you should get rewards credit cards that have benefits that match your top 2-3 spending categories. This way you can maximize your rewards without ending up with a million different credit cards in your wallet. Besides, if you only spend a relatively small amount on gas each month, a gas rewards credit card really wouldn’t do much for you. Say, for example, you only spend $50 a month on gas. Even if you get a gas rebate credit card offering 5% cash back, you’d only be saving $24 per year relative to a standard cash back credit card offering 1% across all purchases. That’s probably not worth the hassle (definitely not if an annual fee is involved). Ultimately, as a good rule of thumb, you need to spend more than $200/mo. for a gas card to be worthwhile.

Can I get a gas credit card with bad credit?

By: John Kiernan, Credit Card Editor
Most gas rewards credit cards require good or excellent credit for approval. You even need at least fair credit to get a gas card that can only be used at a certain gas-station chain. But that doesn’t mean you’re out of luck.

If you want the convenience of paying at the pump (especially important when it’s cold out or you’re in a hurry), you can simply open a secured credit card. Secured credit cards offer nearly guaranteed approval, given that you are required to place a refundable security deposit which acts as your spending limit. Plus, some secured cards offer rewards from time to time.

Things to know before using your gas credit card

By: John Kiernan, Credit Card Editor
One thing to watch out for is gas stations charging different prices depending on whether customers pay with cash, credit or debit. Unfavorable pricing could easily wipe out any savings garnered from your gas credit card.

Also, have you ever noticed that when you buy gas with a credit card, the transaction gets approved or denied before you actually start filling up your tank? It’s definitely something to consider, especially if you have a low credit limit or you’ve opted-in for the ability to spend more than your credit limit.

Because credit card companies don’t know how much your gas will cost, they preemptively block off a certain amount of your available credit. Each issuer has its own policy when it comes to these “blocks” (also known as holds). But you have to assume that most credit card companies will put enough available credit on hold to cover the cost of filling up the tank of an average-sized car with regular gas. Depending on the price of gas, you should therefore make sure to have at least $50 - $60 in available credit when you head to the pump. Otherwise, the purchase might be declined, perhaps leaving you stranded.

Similarly, you might end up buying more gas than the amount of the hold. And that could bring your balance above your spending limit, resulting in over-limit fees for business-card users and consumers who’ve opted-in to go over-limit.

Finally, even if you purchase only a small amount of gas, the difference between what you spend and the amount put on hold might not be released for up to three days. This could certainly disrupt your spending plans following your trip to the pump.

How can I complement my gas credit card rewards and save more at the pump?

By: John Kiernan, Credit Card Editor
Using a gas credit card is merely one of the ways that you can save on fuel consumption. In addition to this, you can use a website like GasBuddy, which identifies the lowest gas prices in your area. Many supermarkets also have loyalty programs that allow you to earn gas rebates based on your spending. Opening the gas reward credit card tied to the same gas station as your supermarket loyalty program therefore also represents a great way to save extra.

Community Discussion

Comparing Gas Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less

Ask a question or help others find the best credit card by sharing some tips.

I believe an international credit card can provide significant savings and help save money. One reason I say this is that whenever I need to go to the gas station to get some gas, I always end up getting something to eat. Now with the gas card I would have to go to the bank to get cash for junk food. I hope this helps someone out and give them some tips on how international credit card can provide significant savings.

I started to use gas cards when one of my friends told me the benefits of it. He told me that I have to fill up my car every week with gas so why don't I reap of the fact that I can get cash back? I started to use the BP Visa Credit card and absolutely loved it. I am a all out BP fan so I made points for cash so quick that in a month I had already 35 dollars of cash back rewards. Gas cards are really good for you if you fill up your car often and want to receive rewards for filling up your car.

I was lured into a gas credit card (Texaco Rewards) by the promise of statement credits towards future gas purchases. It actually worked out pretty well for the first few months. I did indeed get some gas credits, which helped me lower my gas bill by just a little bit. After a while, the statement credits stopped showing up, and it turned out they were no longer continuing that program. So my perks card turned into just another high rate credit card that I could only use at gas stations. This card would actually make my gas more expensive if I forgot and did not pay the balance in full each month. Eventually that did happen, and I was actually late on a payment by 1 day. Completely my fault. This really opened my eyes to the fact that the card was only serving as just one more thing that I had to remember to pay every month. Why continue to use this when there is no tangible benefit, and it could actually cost me more money if I forget. I was actually making more work for myself for no real gain, with a chance at another ding on my credit report. I still keep the card in my wallet, but now I just pay for gas with my debit card.

I have the BP Visa credit card, and I use it all the time. The biggest advantage to using this type of credit card is definitely the fuel rewards. I do receive higher rewards if I use a BP station, but I also accrue points when I use the card in other stores. It is very convenient for when I am traveling as well. I think that some gas cards have higher interest rates though, which is a definite disadvantage.

I didn't want to own any credit card at all, but finally decided to get the Wawa gas credit card. Wawa is a convenience store/gas station where I live (mid-Atlantic), and this card offered particularly good rewards. i had been looking for a way to consistently get rewards for the gas that I buy, since I do buy gas quite a bit. This particular credit card offers savings of 25 cents per gallon for the first two months, then 5 cents per gallon after that.

I think the most important feature a gas credit card should have is cross-promotion with certain items in the store. For example, using your gas card could earn you points redeemable for a cup of coffee or a newspaper from the gas station. That way, it would provide an incentive for you to use the card, and help provide you with other necessary items you'd buy from the same place.

A gas credit card is good if you are not able to buy gas with money or in a tight spot. A gas credit card can earn you rewards on the gas you get which will make you able to buy more gas you need or other things. With gas credit cards you might can use them to buy other things too you need. Gas cards are good if you are traveling in another state and do not have money for gas or run out of money. Gas credit cards are easy to use.

I have a Kroger gas credit card, and it's great. I got it so that I could save money on gas, but I didn't know how much I would be saving. Every time I scan my card at the store, three cents will be taken off of my next gas price. If I do not use them, it builds up and I can save money. I have saved a lot, and am highly satisfied with it all. My truck is not a gas guzzler, and when I use the card, it is cheap and the gas lasts a long time.

For me, gas credit cards offer many advantages. Since most Americans drive, fuel for your vehicle is almost always in demand. Likewise, most gas stations have evolved into convenience stores. This allows purchasers to use their gas credit card not only for fuel but other necessities as well; such as groceries and other small household goods. Lastly gas cards are often easier to qualify for regular credit cards. This allows those who have poor or no credit to establish a good credit history.
I have found a near perfect blend of benefits in my Pilot/Flying J gas credit card. When I use this card, I get discounts at the pump, 0% interest when paid in full, and I earn points which further reduces my costs when purchasing other goods in the store.

A gas card can provide significant benefit because the thing that most Americans have is a car which needs fuel to run. An average American spends a lot of money on gas and would love it to get cash back. By getting money back more Americans would feel happy knowing they will get money for filling up their car on a daily basis.

I'm a big fan of gas rewards cards, we all drive, we might as well get compensated for it. I myself drive an hour commute to and from work everyday, so being able to fill up my tank with my Amex EveryDay card and see a little kickback has been a true blessing.

Gas rewards have been very beneficial for me. The amount of driving I do along with my commute to and from work makes me need to fill my tank a couple of times a week. With gas rewards, I am able to cut into that cost a little bit and basically get free gas. I highly recommend a gas rewards card if you are someone who drives a lot like me.

I love my gas rewards card. I drive a lot for work, and I get reimbursed by my company as well. As long as I make my payments on time and pay as little interest as possible, it's almost like free money. Using my gas rewards card has saved me hundreds of dollars in just the past year.

Gas Rewards can be useful, that's how I gauge what gas card I apply for. I do a lot of traveling for business so sometimes paying for gas later can be a good thing and even a blessing. I noticed that paying them off on time can really help repair any credit damage you may have.

I feel that a gas rewards card is a very smart idea to go with. In this day in age people constantly need to use vehicles and constantly spend money on gas and it isn't that cheap. I would highly recommend this card for anybody who drives.

I think getting a rewards card for gas would give considerable savings. I have used cards in the past that give a certain percentage off of gasoline and have saved a good percentage of the money spent on gasoline. I think that if you use the card for every gasoline purchase you will be saving a good deal. I would go with the card that gives the highest percent back and with a low interest rate.

Gas prices are bound to go up, and probably soon. The economy is improving and oil prices are based on the demand and supply of the stock market. Also, summer is coming and gas prices usually rise then. Gas credit cards could be helpful because they provide reward points for a product that everyone needs on a regular basis.

Gas rewards are useful to me. I travel a lot, and I end up saving a lot of money. I'm not sure if it would be very useful if I didn't travel very much. I have two different gas cards, and the rewards add up pretty quickly. Not to mention, gas prices are starting to go back up again.

In my opinion, gas rewards are useful for both long distance travel and just casual drivers. I personal use the marathon gas card and I use it frequently. I was thinking about signing up for a different one but this one is fine for now. I personally do not travel a lot but I am a casual driver. The reward cards seem to be helpful to me. It does not matter if you travel a lot or you are just a casual driver, it works for both cases. With the marathon gas card that I have the rewards add up.

Gas rewards are useful to both people who travel long distances and also to those who are just casual drivers. Whether you're a hardcore traveler or just travel around town, rewards are rewards and can help out either way. I personally don't travel too much, but am a casual driver, and the rewards cards I have are very helpful to me. Here and there when I do need to travel a long way, it's of course very helpful as well. What ever side you're on, gas is gas, and getting any rewards you can get helps.

I strongly expect gas prices to continue to rise over the next several months and possibly for much longer. The main factor is the current instability in the middle east and continuing reports of wars and conflicts in that region. The increased activities of terrorist organizations has not been helpful. Consumer confidence is low and the market is volatile. To make matters worse, the demand for gas appears to have increased, particularly in the United States. For these reasons, I do not see a change in the direction of gas prices in the near future.

Gas prices will be a bit higher because of the summer season coming up. People generally spend a good amount of time driving their cars during the summer. This will thus drive demand for gas up and prices will go up. A gas credit card is likely to help out on this end because as long as you keep it paid off, it's not going to eat up your wallet with interest rates. If you have to commute to work or commute out of town for vacation, a gas credit card could save you hundreds of dollars over the summer period.

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@cristy.snyder.1

March 18, 2015

I think the gas prices will start to fluctuate. Warm weather is coming and people will start to travel and go on vacation which then the prices will start to soar. Having a gas credit card can be quite beneficial if it offers rewards or point to save on gas. The only downside I see is if the balance isn't paid off each month, then the interest rates start and it probably isn't worth having one.

I think that over the next few months as we enter the summer driving season the price of gas will start going back up. The price of crude is being held down by Saudi cheap crude for now as they try to hurt US production but that cannot last forever. Cheaper gas leads to more consumption and that will cause the price of gas to go back up.
I do not think gas cards save you money. They may give a few cents a gallon off or some other reward but the interest you will end up paying eats that up and cost you more unless you pay them off every month.

I especially think it is great for both I use mine all the time when I need to fill up on gas and I don't travel long distances but I do travel to and from work and around town and near by towns a lot to see my family and friends. I think it is worth it just for the average person who drives whether it be long distances or not. You get so much of your gas and the rewards are great as well. I have had my gas card for over 5 years and could not imagine my life without it. I would highly recommend getting a gas credit card. I know so many of my friends and family that also have one and some of them travel long distances and some of them do not but just from talking with them they would not live without it.

I would like to try to get a gas card, but with my bad credit it is hard to. It really is a shame because I travel extensively throughout the state and could use the benefits of having one. I am trying to get myself back towards creditworthiness; it's been a long, frustrating journey.

My husband is the same way. He travels a lot but his credit is pretty bad so every time he applies for a gas card, he is denied. I have one myself that he uses from time to time but it would be nice if he could get his credit back up and get one of his own because sometimes he is gone for weeks at a time and if he takes it, then I can't use it myself! Good luck on your journey to get your credit back up, it IS a long journey but very worth it in the end.

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@craft.beer.330

November 17, 2014

I think a gas rewards card really benefits everybody. I travel extensively due to my work and use my rewards card all the time. I save quite a bit of money throughout the year using it. Gas is like the stock market. It goes way up then goes all the way down. You never know when it could be sky high. That's why I value a gas rewards card. Even if you think you travel casually, you will be surprised to learn how much per year you actually spend on cash within your family. I use the TrueEarnings card from Costco. Costco in general has the lowest gas in the entire area, so on top of the savings from there, the TrueEarnings card only increases my rewards. I get 3% cash back up to $4000, 2% off at restaurants, and 1% off of other purchases to be applied. As far as customer service goes, nobody can beat Costco in terms of their customer service. They are known for consistently having the best. Plus you get free Costco memberships for your family. I looked into several different cards, and this one was the best by far.

I think that just about any gas rewards are useful regardless of whether a person drives tons of miles or is only a casual driver that sticks close to home. These types of rewards are best looked at in the big picture - you won't get rich from them but they do make an impact on some greater level at reducing overall transportation costs. I drive a good bit and the BP Driver rewards I receive add up to a few hundred dollars each year, which in the grand scheme of things amounts to about ten casual dining meals that won't cost me a cent. One of our local grocery chains (Giant Eagle) also offers Fuel Perks based on how much you spend on food each month, which adds up to about $10 to $20 in free fuel each month. Any way you slice it, every little bit helps even if you drive infrequently and get smaller gas rewards.

While gas prices seem to be going down currently, one can never be sure when they will start spiraling upwards again. Certainly, it is useful to do anything to save on money when purchasing gas. This is where gas credit cards come in. Whether you are driving long or short distances, if you have a car, you need gas, and the price of gas is uncertain these days. Gas rewards credit cards can help cut costs. My gas credit card is great for gas purchases of course but also for everyday purchases so I earn points that help me save on gas.

Right now I do believe gas prices will continue to go up. I remember 10 years ago when gas was just over $2 a gallon. Nowadays it's over $3 or $4. It definitely costs more money to fill up my gas tank which I do about every 2 weeks. A gas credit card will definitely help save some money. Gas isn’t really something you can skimp on so if you have a cash back gas credit card, it can help save you money on gas. These savings add up quite a bit since everyone probably fills up at least twice a month or so.

I used to drive fifty miles to work, and fifty miles back at least five days a week for about five years. I found great quality in my BP visa when I was driving over five hundred miles per week. I would get a good amount of credit, and it did have an impact on my gas price savings. A few years ago I had gotten a new job very close to home, and I rarely drove to work anymore. I went from driving over five hundred miles a week to under fifty. At this point the card stopped being a benefit to me. I would earn very little, and it would end up expiring because I would never reach the minimum amount needed to get the credit. I then stopped using the card and moved on to a different rewards card. It is not really useful unless you are putting a good amount of miles per day or week on the card.

Right now, gas prices aren't too bad in my area; about $2.95 a gallon. I don't expect them to stay this low very long. I think a gas credit card would be extremely beneficial to anyone who drives often. Most people would fit the criteria. I would much rather pay for gas with one separate card and accumulate points as I use it more and get savings on gas. There aren't really any downsides I see to getting a gas credit card. I will definitely consider getting one in the near future with school starting and everything.

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@lisa.vanderhoef

August 6, 2014

I believe gas prices will continue to fluctuate back and forth from 3.50 to 4.00 a gallon and never to see 2.50 a gallon again. I believe that the rewards that you receive from a gas credit card can be very beneficial because you can use the card to earn the points that can save on the gas and fill up when your points are at the highest. for me I tank of gas running around town can last me a couple of weeks and I can save quite a bit through accumulating points for those savings. Stacking with a store card can increase those savings even more.

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@lill.jermaine

August 6, 2014

I expect that prices will continue to go up and down as they have been, leaning more on the higher end. The price has risen dramatically with fluctuations in the process for years and years, I don't see how that trend would cease at this rate. I think a gas card could potentially be a great saver if you do drive a lot, but otherwise I'm not so sure. As gas continues to get more expensive, I think a gas rewards card will become a more viable option.

I really can't see a gas credit card being beneficial to me just going to places around town. However, if you travel long distances quite often, such as a medical courier does, then I could definitely see this as something to be looking into. Some couriers don't get paid much back for their mileage, so this would definitely be a bonus for them to be using. I am going to recommend it to both my father and my husband, as they both drive long distances several days a week. I think in the long run, this would provide them with some financial relief when it comes to gassing up the car.

Ultimately, the price of gasoline is only going to increase in the long run. Over the past decade and a half the price of gas has increased dramatically, and this trend will only continue with unrest in areas like Ukraine and the Middle East. With this in mind a gas rewards card can be an excellent way to save money on something that no one wants to spend money on. I have a gas rewards card that allows me to have flexibility on where I fill up. I do a lot of driving for work, so it is really beneficial to not have to search out a specific station. The rewards card also makes a noticeable difference in the amount I spend on gas every month.

I think gas prices will definitely edge up, as demand becomes much greater when people start off on their summer vacations, and more people are doing things outdoors in general. I am aware of several credit cards that provide points for all gas purchases. While you won't see a ton of benefit from such cards, I'd still maintain that every little bit helps- especially when gas prices are going to most likely soar above 4 dollars as the summer fuel demand keeps going up and up.

I’ve had the Blue Cash Everyday by American express for a while now and I believe it is most rewarding for someone who commutes a lot like me. It benefit's all drivers in some way or another but it benefits those who constantly have to fill there gas tanks the most commute to work and school every day so I use a lot of gas and my rewards fill up fairly quickly when every cent counts suggest this card for anyone from casual drivers to heavy drivers.

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.